Motorcycle insurance is one of those things that you may not think you need until it’s too late. 

If you’re involved in an accident, motorcycle insurance can help to cover the cost of repairs or replacements. 

It can also provide financial protection if you’re found to be at fault for the accident. 

In some states, motorcycle insurance is even required by law. 

So if you’re thinking about getting a motorcycle, be sure to get motorcycle insurance as well. 

It could end up saving you a lot of money in the long run.

In order to find the best motorcycle insurance that meets your needs, you will need to consider a few things like what type of coverage you need, how much coverage you need, and whether or not you qualify for any discounts.

When it comes to motorcycle insurance, there are a variety of coverage options available to choose from. 

The type of coverage you need will depend on a number of factors, such as the value of your motorcycle, the state you live in, and your personal riding habits. 

There are some basic coverage types that all riders should consider including in their motorcycle insurance policies: 

In addition, many motorcycle insurance policies also offer optional coverages such as roadside assistance and trip interruption insurance. 

By carefully considering your needs, you can choose the best motorcycle insurance policy that’s right for you.

The amount of coverage you need will depend on several factors, including the value of your motorcycle and the state in which you live. 

In general, most motorcycle insurance policies offer two types of coverage: liability and collision. 

Liability coverage protects you financially if you are responsible for an accident that damages another person’s property or injures another person. 

Collision coverage, on the other hand, helps to pay for repairs to your motorcycle if it is damaged in an accident, regardless of who is at fault. 

If your motorcycle does not have a high value, then minimum liability-only coverage might work for you. 

But if your motorcycle has a high value, it would be wise to get collision coverage as well in order to cover costly repairs to your bike in the event of an accident. 

The amount of coverage you choose will ultimately depend on your risk tolerance.

If you are someone with a low risk tolerance, then you will probably choose more coverage with higher limits. 

On the other hand, if you are someone with a high risk tolerance, then you might be comfortable opting for less coverage at lower limits. 

In summary, there is no “right” amount of coverage. 

Any coverage you choose beyond your state’s required minimum is entirely up to you.

Regardless of which coverage options you choose, you should also check to see if you qualify for any motorcycle insurance discounts. 

These discounts can save you money on your motorcycle insurance premium. 

Here are some of the more common motorcycle insurance discounts:

If you have more than one type of policy with the same company, you may be eligible for a multi-policy discount.

For example, if you have both homeowners and motorcycle insurance with the same company, you may get a discount on both policies.

This is a discount given to customers who renew their motorcycle insurance policy with the same company.

If you complete a motorcycle safety course, you may be eligible for a safe rider discount.

This discount is typically given to riders who are considered to be low risk.

Many insurers offer good driver discounts to riders who have a clean driving record.

To qualify for this discount, you usually need to have no accidents or traffic violations within a certain period of time.

If you don’t ride your motorcycle very often, you may be eligible for an annual mileage discount.

This discount is typically given to riders who drive less than 7,500 miles per year.

If you belong to a motorcycle association,  you may be eligible for a discount on your motorcycle insurance.

If you have an anti-theft device installed on your motorcycle, you may be eligible for a discount.

This discount is typically given to riders who have a low risk of their motorcycle being stolen.

Many insurers offer paperless discounts to customers who sign up for paperless billing.

This discount is typically given to riders who are considered to be low risk.

If you are a member of the military, you may be eligible for a military discount.

This discount is typically given to riders who are considered to be low risk.

As you can see, there are many different discounts that you may be eligible for. Be sure to check with your insurer to see if  you qualify for any of these discounts.

The best overall motorcycle insurance coverage depends on the individual rider’s needs and budget. 

Riders should consider what type of coverage they need and how much they are willing to pay for premiums. 

Some riders may want only liability coverage because it is the cheapest option. Others may want full coverage because it provides the most protection. 

Ultimately, the best coverage for each rider depends on their individual circumstances.

Markel

With over 45 years of experience, Markel has been providing riders with insurance coverage that gives them peace of mind while out on the road. 

They understand that a motorcycle needs specialized coverage.

Markel offers customized coverage for riders, which means each motorcycle insurance policy is tailored to meet the specific needs of the driver.

Markel has policy options for just about any type of motorcycle including sport bikes, street bikes, cruisers, touring motorcycles, sport-touring bikes, big twins, scooters/mopeds, dirt bikes, trikes, and other custom motorcycles. 

Markel has policies as low as $50 per year.

Just for switching to Markel from another provider, you can qualify for a 10% discount. 

Markel offers several additional discounts that can save riders up to 35% off their premium. 

Markel’s discounts include safety course completion, insuring multiple bikes, anti-lock brakes, anti-theft device, safe driver, and renewal. 

For riders who go four consecutive years of being accident free, they will qualify for Markel’s accident forgiveness program, which prevents that rider’s premiums from increasing after an at-fault accident.

To get cheap motorcycle insurance coverage, there are a few simple steps you can take. 

First, check your state’s minimum liability coverage, so you know the minimum level of coverage that you will need. 

However, you should carefully consider whether or not minimum liability coverage adequate protection for your specific needs. 

Second, consider raising your deductible to lower your overall premium. 

Third, take advantage of discounts, which riders often qualify for through clean driving records, policy bundling, and equipping your bike with an anti-theft device.

Safeco

Part of the Liberty Mutual Insurance Group, Safeco offers great coverage at an affordable rate.

Safeco offers motorcycle insurance coverage for most types of motorcycles, including cruisers, touring bikes, sport bikes, dirt bikes, scooters, mopeds. 

However, Safeco does not offer coverage for bikes with nitrous oxide kits or bikes that are used for speed contests or racing.

Safeco offers coverage options that include bodily injury liability, medical payments, collision, 24-hour roadside assistance, and OEM manufacturer parts. 

Reimbursement for safety apparel is also included with Safeco’s collision coverage.

For owners of Harley-Davidson motorcycles, Safeco offers a replacement cost provision so that in the event your Harley is totaled, Safeco will pay the market value for your bike.

Several discounts are available through Safeco that will help lower your premium. 

These discounts are available to riders who complete a motorcycle safety course, are claims free for the past 12 months, bundle another insurance policy with Safeco, or have been riding a motorcycle for a certain amount of time. 

Safeco even offers a discount to riders who have been riding the same motorcycle for an extended period of time.

A full-reimbursement option is available for the value of a Harley-Davidson motorcycle, and a safety apparel full-reimbursement option is also available for safety apparel lost during a collision. 

Discounts include motorcycle safety course discount, bundling with another Safeco insurance product, and being claims free for 12 months.

Motorcycle insurance rates are generally higher for new riders than for experienced riders. 

This is because insurers consider new riders to be a higher risk than experienced riders. 

New riders are less likely to have the skills and experience necessary to safely operate a motorcycle, and are therefore more likely to be involved in an accident. 

As a result, insurers often charge new riders higher premiums to offset the increased risk. 

However, there are a few things that new riders can do to get lower motorcycle insurance rates. 

One is to take a motorcycle safety course, which can show insurers that you are serious about safety. 

Another is to buy an older and less expensive motorcycle, which will cost less to insure. 

Finally, you can shop around and compare motorcycle insurance rates from different companies before you purchase a policy. 

By taking these steps, you can help make sure that you get the best motorcycle insurance coverage at the best possible price.

Harley-Davidson Insurance

When it comes to new riders, Harley-Davidson Insurance is a solid option that provides excellent coverage.

Don’t worry, you don’t have to own a Harley to get insurance through Harley-Davidson. They insure other brands of motorcycles as well. 

Like most insurance companies, Harley-Davidson Insurance offers multiple types of coverage including, bodily injury liability, property damage liability, collision, comprehensive, medical payments, personal injury protection, and add-on coverage for accessories and safety gear.

Harley-Davidson offers several discounts that some riders may qualify for. 

These discounts include rate reductions for paying premiums on time, bundling policies, having no claims when you renew your policy, being a loyal customer, insuring multiple bikes, equipping your bike with an anti-theft device, being a homeowner, being a member of the military, and being an experienced rider.

Harley-Davidson Insurance currently does not offer liability coverage policies to riders living in Alaska, Hawaii, and Washington D.C.

Motorcycle insurance is an important consideration for all riders, but it is especially important for young riders with little experience. 

There are a number of factors that need to be considered when choosing motorcycle insurance, including coverage options, deductibles, and rider discounts. 

The best motorcycle insurance for young riders will offer a mix of comprehensive and collision coverage, along with a low deductible. 

In addition, young riders should look for motorcycle insurance that offers discounts for taking rider training courses and maintaining a clean driving record. 

By shopping around and comparing motorcycle insurance policies, young riders can find the coverage they need at a price they can afford.

Allstate

With its wide variety of coverage options and discounts, Allstate is a great motorcycle insurance option for young riders.

Allstate offers the following motorcycle insurance coverage options: bodily injury liability coverage, property damage liability coverage, medical payments coverage, personal injury protection, collision coverage, comprehensive coverage, uninsured/underinsured motorist bodily injury coverage, towing and labor coverage, rental reimbursement coverage, lease/loan gap coverage, and optional added equipment coverage.

Allstate has a ton of discounts available as well, which include: multi-bike, multi-policy, good driver, policy transfer, organization membership, safety course, automatic payments, early signing, and full pay. 

All of these discounts can help lower your cost of an Allstate motorcycle insurance policy.

Motorcycle liability insurance is a type of insurance that helps to protect motorcycle riders in the event that they are involved in an accident. 

If you are found to be at fault for an accident, your motorcycle insurance will help to pay for the damages that you have caused.

This can include repairing or replacing the other vehicle, as well as covering the medical expenses of the other driver or passengers. 

Motorcycle liability insurance is not required in all states, but it is a good idea to have if you plan on riding your motorcycle on a regular basis. 

Liability-only coverage can be a good money-saving option if you have already paid off your bike, can afford to replace your bike out-of-pocket, or your bike is an older, less expensive model.

Progressive

For liability-only motorcycle insurance, Progressive offers very affordable coverage that will shield you from financial liability in the event of an accident.

Progressive’s liability insurance covers two things: bodily injury and property damage. 

If another person is injured in an accident that is your fault, your bodily injury coverage will pay for that person’s medical expenses and even legal fees for you if you are sued. 

The property damage component of the policy would cover any damage to another person’s property caused by an accident.

To help riders save money, Progressive offers a number of discounts such as, quote in advance, multi-policy, association member, motorcycle endorsement, safety course, policy transfer, responsible driver, pay in full, pay on time, and automatic bill pay.

Motorcycle insurance is a unique type of coverage that is designed to protect motorcycle riders in the event of an accident. 

While many insurance companies offer motorcycle insurance, not all of them understand the special needs of military members. 

That’s why it’s important to find an insurer that specializes in motorcycle insurance for military members. 

When you’re looking for motorcycle insurance, be sure to ask about coverage for overseas travel, as well as storage and transportation of your motorcycle while you’re deployed. 

You’ll also want to make sure that your motorcycle insurance policy covers you in the event of an accident or theft, regardless of where you are in the world. 

With the right policy in place, you can rest assured that you and your motorcycle are covered no matter where your military service takes you.

USAA

USAA motorcycle insurance specializes in providing coverage for military members and their families.

USAA offers five basic types of motorcycle insurance coverage that include bodily injury and property damage liability, comprehensive, collision, uninsured/underinsured motorist, and medical payments. 

Coverage is available for most types of motorcycle including cruisers, sport bikes, touring, scooters, mopeds, dirt bikes, ATVs, and UTVs.

To help you save money, USAA offers several discounts like safe driver, safety course, and multi-vehicle.

Getting motorcycle insurance for a vintage bike can be tricky. 

Because these bikes are typically more expensive to repair or replace, many motorcycle insurance companies view them as high-risk and charge higher rates for coverage. 

In addition, vintage motorcycles may not be covered under standard motorcycle insurance policies. 

Instead, you may need to purchase a specialty policy that specifically covers vintage bikes.

Foremost

Foremost is one of the few companies that specializes in offering insurance for custom and vintage bikes.

Foremost coverage options include liability coverage, helmets and safety apparel coverage, transport trailer coverage, and optional equipment coverage.

There are a few ways you can save with Foremost through their discounts which include multi-vehicle, multi-policy, and endorsement.

There are many insurance providers out there that offer motorcycle insurance, but not many are willing to offer coverage to high risk drivers. 

A high risk driver would be someone with a poor driving record due to serious violations like DUI, driving with a suspended license, or reckless driving. 

While it can be difficult for these types of drivers to obtain coverage, it is still possible if you know where to look

Dairyland

Dairyland offers a variety of coverage options for high risk drivers including SR22 insurance for drivers with a DUI conviction. 

You can get coverage for just about any type of bike including cruiser, touring, sport touring, sport bike, trike, dirt bike, dual purpose, scooter/moped, or autocycle. 

Dairyland offers specialized types of coverage including optional equipment, OEM, and medical payments.